Financing directly with your purchase
With us, choosing a vehicle and arranging the financing happen in one place. We take your enquiry and coordinate it with our financing partner.
Financing
Vehicle financing
Vehicle financing
that suits you
A classic loan, financing with a final instalment or leasing: we prepare your personal finance offer directly in-house – with fixed monthly instalments, clearly stated conditions and swift processing.
- Terms from 12 to 84 months
- Down payment of your choice
- Swift processing
This page is a translation and is provided for information only. Only the German version is legally binding. German version
An instalment to suit your budget
We agree the down payment, the term and the monthly instalment with you, in line with what you can comfortably afford, so that the financing remains manageable throughout the entire term.
Conditions in detail
The nominal interest rate, the annual percentage rate (APR), the monthly instalment, the fees and the total amount are clearly stated in the contract.
Your financing options
Three options that differ in monthly instalment, ownership and what happens at the end of the term. We will advise you which of them best suits your vehicle and your plans.
Loan
- The vehicle belongs to you and is registered in your name.
- Terms from 12 to 84 months, matched to your budget.
- A fixed monthly instalment throughout the entire term, with the interest rate set individually.
- Complete freedom in terms of mileage, use and resale.
Ideal if you wish to keep your vehicle for the long term.
Financing with a final instalment
- A considerably lower monthly instalment, because part of the purchase price is agreed as a final instalment.
- We determine the amount of the final instalment together with you.
- At the end of the term the decision is yours: settle the final instalment, continue the financing or sell the vehicle.
- The vehicle belongs to you, with no restrictions on mileage or use.
Ideal if you would like a low monthly instalment.
Leasing
- Predictable monthly instalments with an agreed term and mileage.
- You use the vehicle while the leasing company remains the owner – the vehicle registration document (Typenschein) and the COC document are held there.
- A lower capital outlay, because only the use of the vehicle is financed and not its full value.
- At the end of the term you return the vehicle or change to a new one.
Ideal if you would like to drive a newer vehicle on a regular basis.
The term, the mileage and – in the case of leasing – the residual value are agreed in the contract and settled at the end of the term. You will receive all conditions in writing before the contract is concluded. Simply tell us which vehicle you are interested in and we will let you know in advance which option is available for it.
The procedure in six steps
From choosing a vehicle to the handover, we support you throughout the entire process.
Choose your vehicle
You choose your preferred vehicle from our stock. Together we agree the purchase price, the down payment and the monthly instalment you have in mind.
Calculate your financing
With the finance calculator you can work out your estimated instalment without obligation and compare different terms side by side.
Submit your documents
For the enquiry we require your photo ID as well as your last two proofs of income. As a rule, a clearly legible photograph is sufficient.
Assessment and offer
Our financing partner checks the documents and prepares your personal offer with the term, the monthly instalment and the interest rate.
Review the contract at your leisure
You will receive all conditions in writing: nominal interest rate, annual percentage rate (APR), monthly instalment, fees and total amount.
Take delivery of your vehicle
Once the contract has been concluded, we arrange the date for the handover of your vehicle.
Required documents
If the documents are complete, you will receive your offer particularly quickly. We always require:
- Official photo ID
- Your last two proofs of income
- Proof of registered address (Meldezettel)
- Residence permit (Aufenthaltstitel) for non-EU citizens
Good to know
Four points that make the difference when choosing a financing option.
Down payment
A down payment reduces the monthly instalment and the total cost of the financing. We can also value your current vehicle, take it in part exchange and credit it towards the down payment.
Annual percentage rate (APR)
The annual percentage rate (APR) includes all the costs of the financing. It is therefore the most reliable figure to use when comparing offers.
Term
A shorter term means a higher instalment with lower total costs, while a longer term eases your monthly budget. Together we will find the right balance.
Flexibility
Consumer credit agreements may be repaid early at any time, in full or in part; the interest is reduced accordingly.
Frequently asked questions
Questions about financing
Do you have a question that is not answered here? Give us a call – we will be happy to advise you personally.
0676 775 43 34Which terms are available?
Terms of between 12 and 84 months can be agreed. Which term is right for you depends on the vehicle price, on the down payment and on the credit assessment.
Is a down payment required?
A down payment is not mandatory. It does, however, reduce the monthly instalment and the total cost. We are also happy to value your current vehicle and credit it towards the down payment.
Which requirements do I have to meet?
You need to be resident in Austria, have a regular income and meet the banks' standard creditworthiness criteria. We will discuss everything else with you in person.
How long does the process take?
We submit the application directly in-house. Once the contract has been signed, the funds are usually paid out within one working day. What matters most is how quickly we receive your complete documentation.
Is financing also possible for the self-employed?
Yes. In this case the current tax assessment notice (Steuerbescheid) or a statement of income and expenditure is usually used instead of payslips.
How does the credit assessment work?
Your income, your existing commitments and your credit report are assessed. Should an application not be successful, we will discuss the alternatives with you, for example a higher down payment, a different term or a second borrower.
Who owns the vehicle while it is being financed?
With a loan and with financing with a final instalment the vehicle belongs to you; the vehicle registration document (Typenschein) is usually held by the bank until the last instalment has been paid. With leasing the leasing company remains the owner, and the vehicle registration document (Typenschein) and the COC document are held there as well.
Calculate your instalment and request an offer
Calculate your estimated monthly instalment without obligation. You can then submit your finance enquiry directly online – we will contact you promptly.
The information shown is intended for general guidance and does not constitute a binding offer. The financing is provided through our financing partner; approval and conditions are subject to the credit assessment. Calculations made with the finance calculator are non-binding sample calculations.